Volvo S40 T5 AWD R-Design Insurance Rates

The average insurance prices for a Volvo S40 T5 AWD R-Design are $1,510 every 12 months for full coverage. Comprehensive insurance costs on average $354, collision costs $634, and liability coverage costs around $364. Buying just liability costs as low as $430 a year, with insurance for high-risk drivers costing $3,260 or more. Teen drivers cost the most to insure at $5,482 a year or more.

Annual premium for full coverage: $1,510

Policy rates by type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Volvo S40 Trim Level

These price differences show why everyone should compare prices based on a specific location and their own driving history, rather than using price averages.

Use the form below to get rates for your location.

Insurance rates for a Volvo S40 T5 AWD R-Design also range considerably based on liability limits and deductibles, your driver profile, and the model year of your S40.

Choosing high deductibles could cut rates by as much as $660 a year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $327 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay upwards of $5,400 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,800 to $2,400 extra every year, depending on your age. Volvo S40 T5 AWD R-Design insurance for high-risk drivers can be around 44% to 133% more than average. View High Risk Driver Rates

Your home state has a huge impact on Volvo S40 T5 AWD R-Design insurance rates. A driver around age 40 might see rates as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

Because rates have so much variability, the only way to know exactly what you will pay is to regularly compare rates and see how they stack up. Each insurance company uses a different rate calculation, so the rates will be varied.

View Chart as Image

Chart shows Volvo S40 T5 AWD R-Design insurance rates for different coverage choices and risks. The cheapest rate with discounts is $862. Drivers who choose higher $1,000 deductibles will pay $1,288. The average rate for a 40-year-old male driver using $500 deductibles is $1,510. Selecting more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,948. High risk drivers could be charged around $3,260. The rate for full coverage for a teen driver can be as high as $5,482.

View Chart as Image